Ohio auto repair and body shop owners use revenue-based funding for equipment, inventory, and shop expansion — without waiting 60 days for a bank or pledging personal real estate.
These are illustrative examples based on realistic SMB funding patterns — not guarantees. Your actual range depends on your revenue, tenure, and credit profile.
Replaced two 2-post lifts and added a wheel alignment machine. Revenue-based approval on $35K/mo in repair revenue.
Pre-purchased a 60-day parts inventory from primary supplier at a 12% volume discount. Paid back in 4 months.
Bay expansion for a second location including electrical, lifts, and initial build-out. No real estate pledge.
Business name, email, funding need, monthly revenue. Soft pull only — no credit impact.
A real human advisor reviews your application within 24 hours and reaches out with questions or options.
Clear terms, no surprises. Review and accept the offer that works for your business.
Typically 1–3 business days after acceptance. No origination fees to pay upfront.
| Feature | Four Point Group | Lendio / Bluevine | Bank / SBA |
|---|---|---|---|
| Personal collateral required | ✗ Never | Sometimes | Usually required |
| Decision timeline | 1–3 days | 3–10 days | 30–90 days |
| Revenue-based underwriting | ✓ Primary method | Partial | Credit-first |
| Hard credit pull on apply | ✗ Soft pull only | Hard pull | Hard pull |
| Min. funding amount | $10,000 | $5,000–$25,000 | $50,000+ |
| Industry expertise | Auto Repair Shops specialists | Generalist marketplace | Generic products |
Soft credit pull only. A funding advisor reviews your file within 24 hours.
Yes. We fund auto repair shops across the United States including Ohio. The application process and terms are the same nationwide — revenue-based underwriting, no personal collateral, decisions in days.
Yes. Credit is reviewed but it's not the deciding factor. Shops with consistent monthly revenue — even with fair credit — regularly qualify.
Correct. Revenue-based underwriting doesn't require equipment liens. Your shop's cash flow is the approval basis.
Typical approvals range from $20K to $300K depending on your monthly revenue. Most single-location shops in the $25K–$50K/mo range qualify for $40K–$150K.
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